AML POLICY DEVELOPMENT & IMPLEMENTATION
IN THE CZECH REPUBLIC
Compliant AML documentation for companies operating in the Czech Republic and across the EU
AMS prepares AML policies for companies subject to Czech and EU anti-money laundering requirements — from initial risk assessment to final document delivery.
Based in Prague and working with clients across the EU, our team helps ensure that your AML policy is aligned with current legislation, structured for regulatory review, and ready for submission to the Czech National Bank, the Financial Analytical Office, or other competent authorities.
WHAT IS AN AML POLICY AND WHY DOES YOUR BUSINESS NEED ONE
An AML policy defines the internal responsibilities, procedures, and control measures that allow your company to identify, prevent, and report money laundering and terrorist financing risks.
In the Czech Republic and across the EU, a formal AML policy is a legal requirement for obliged entities. Without a properly prepared policy, a business may fail regulatory checks, face compliance issues, or struggle to obtain the required licence or registration.
A formal AML policy is legally required for:
Crypto Asset Service Providers — CASPs
Electronic Money Institutions — EMIs
Payment service providers and fintech companies
Investment firms and financial intermediaries
WHY WORK WITH AMS FOR AML POLICY DEVELOPMENT
Knowledge of Czech and EU AML legislation
We work with Czech Act No. 253/2008 Sb., AMLD5/6 requirements, MiCA, and the expectations of FAÚ and ČNB. Our role is to translate complex regulatory obligations into clear, practical, and enforceable internal documentation.
Documents prepared for regulatory review
AMS structures AML policies with regulatory scrutiny in mind. Our documentation is suitable for licensing files, supervisory reviews, banking checks, and formal submissions in crypto, payment services, fintech, and investment-related sectors.
Experience with regulated and high-risk business models
We regularly support crypto businesses, fintech companies, payment institutions, and other regulated or high-risk entities, where AML documentation must be detailed, risk-based, and operationally realistic.
Multilingual support
We work in English, Czech, and Russian, helping international founders and local teams communicate clearly throughout the process and receive documentation in the language required for internal use or regulatory submission.
AMS AML POLICY DEVELOPMENT — SERVICE
AML Policy Development & Implementation
End-to-end preparation of a compliant, risk-based AML policy tailored to your business model and suitable for regulatory submission.
Includes:
- Risk profiling and regulatory framework mapping — analysis of your business model, customer base, jurisdictions, and applicable rules, including Act No. 253/2008 Sb., AMLD5/6, MiCA, FAÚ ČR, and ČNB expectations.
- Full AML policy drafting — KYC, CDD and EDD procedures, transaction monitoring, suspicious activity reporting, internal controls, MLRO responsibilities, staff duties, and record-keeping rules.
- Review process with your team before final delivery.
- Final document in editable format, ready for submission to a bank, auditor, regulator, or supervisory authority — in Czech, English, or both.
HOW IT WORKS
Initial Briefing & Risk Profiling
We begin with a discovery session to understand your business model, customer profile, operating jurisdictions, and compliance situation. You complete a structured intake form, and we identify the applicable regulatory framework, key AML risks, and documentation requirements.
Policy Drafting
Our compliance specialists prepare your AML policy in Czech or English, aligned with current legislation and practical supervisory expectations. The document covers the required components, including KYC, CDD, EDD, internal controls, SAR reporting, staff responsibilities, MLRO duties, and record-keeping.
Review & Finalisation
We provide an intermediate draft for your review, incorporate your comments, and finalise the policy. The completed document is delivered in editable format and prepared for internal approval, banking review, audit, or regulatory submission
OTHER AML COMPLIANCE SERVICES
AML policy development is only one part of a complete compliance framework. AMS provides a broader range of AML services for businesses operating in the Czech Republic and across the EU.
AML Advisory & Compliance Support
Expert AML consulting, including applicability assessments, interpretation of regulatory obligations, compliance gap analysis, and written opinions on specific AML questions.
Outsourced AML Officer and MLRO
External AML Officer and Money Laundering Reporting Officer services for companies that need qualified compliance oversight without appointing a full-time in-house specialist.
Regulatory Reporting and SAR Filing
End-to-end support with suspicious activity reporting — from identifying reportable transactions to preparing filings with the Financial Analytical Office and managing follow-up communication.
AML Automation and Software
Advisory support for AML technology selection and implementation, helping companies automate KYC, transaction monitoring, case management, and reporting processes in line with compliance requirements.
Independent AML Audit & Compliance Check
Independent review of your AML framework to identify gaps, assess regulatory readiness, and prepare your business for ČNB, FAÚ, or EU supervisory inspections.
AML Training & Certification
Mandatory AML training programs for compliance officers and staff, tailored to your sector, risk profile, and obligations under Czech and EU AML regulations.
READY TO DEVELOP YOUR AML POLICY?
AMS prepares AML policies for regulated businesses across the EU — tailored to your operations, aligned with Czech and EU legislation, and structured for regulatory approval.
Share your business model and compliance situation. We will assess the applicable requirements and outline the next steps.
FAQ
Can AMS review and correct an existing AML policy?
Yes. If you already have an AML policy, AMS can conduct a structured review against current Czech and EU requirements, identify gaps or outdated provisions, and prepare a revised version.
This is especially relevant before a licence application, regulatory audit, banking review, or after material changes to your business model, customer base, or applicable legislation.
How often should an AML policy be reviewed?
Czech AML law requires obliged entities to keep their AML documentation up to date. In practice, an AML policy should be reviewed at least once a year and immediately after any significant change in your business model, customer base, risk profile, legislation, or regulatory guidance.
AMS can also provide ongoing policy review as part of a broader compliance support engagement.
What language is the AML policy written in?
AMS can deliver the final AML policy in Czech, English, or both, depending on your needs.
Czech is usually required for submission to Czech regulators or authorities. English is useful for international founders, parent companies, investors, group compliance teams, and cross-border internal review.
How long does it take to develop an AML policy?
The timeline depends on the complexity of your business model and the completeness of the information provided at the start.
For most companies, the full process — from initial briefing to final delivery — takes approximately two to four weeks. More complex structures, multi-jurisdictional operations, or high-risk business models may require additional time.
Is an AML policy enough for regulatory approval and licensing?
An AML policy is a core requirement, but it is not sufficient on its own.
Regulators such as ČNB and FAÚ assess the broader compliance framework, including internal controls, staff training, transaction monitoring, reporting procedures, governance, and the qualifications of the AML Officer or MLRO.
AMS supports companies with the full compliance infrastructure required for licensing and regulatory readiness — not only the policy document.